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BR-61 - Credit-transfer means needs an account identifier

If the payment means type code (BT-81) is a SEPA, local, or non-SEPA international credit transfer, the payment account identifier (BT-84) must be present.

BR-61 - Credit-transfer means needs an account identifier

If the payment means type code (BT-81) is a SEPA, local, or non-SEPA international credit transfer, the payment account identifier (BT-84) must be present.

PaymentEN 16931BT-84 Error

What this rule checks

If the payment means type code (BT-81) is a SEPA, local, or non-SEPA international credit transfer, the payment account identifier (BT-84) must be present.

How to fix it

Add the payee financial account ID (BT-84, e.g. IBAN) for credit-transfer payment means.

Validate against this rule

This rule is part of EN 16931. Check your invoice with the validator that matches your format:

UBL / PeppolXRechnungFactur-X / ZUGFeRD

Related rules

BR-CO-25Amount due needs a due date or payment termsBR-49Payment instruction needs a means type codeBR-50Credit transfer needs an account identifierBR-51Never include a full card numberPEPPOL-EN16931-R061A direct debit requires a mandate referenceBR-DE-1Mandatory: payment instructions (BG-16)

Source: CEN EN 16931 Schematron · Last verified: 2026-07-10

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